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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best FHA Mortgage Lenders in Omaha
Updated February 5, 2026
Market Overview
101
Total Lenders
12,217
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Pinnacle Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,087 | -0.066% | 251 | |
2 | Core Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,066 | +0.131% | 263 | |
3 | Lincoln FSB of Nebraska | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,273 | +0.095% | 72 | |
4 | CHARTER WEST BANK | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,344 | +0.290% | 750 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,004 | +0.302% | 363 | |
6 | Access Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,454 | +0.132% | 324 | |
7 | Union Bank and Trust Company | Exceptional | Exceptional | Strong | Strong | Strong | $977 | -0.101% | 134 | |
8 | First National Bank of Omaha | Exceptional | Strong | Strong | Strong | Exceptional | $1,199 | +0.180% | 850 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,666 | +0.202% | 510 | |
10 | WEST GATE BANK | Exceptional | Exceptional | Sound | Sound | Exceptional | $970 | -0.130% | 429 | |
11 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $911 | +0.249% | 158 | |
12 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,806 | +0.544% | 115 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $887 | +0.169% | 253 | |
14 | Arbor Bank | Exceptional | Strong | Sound | Strong | Exceptional | $833 | +0.089% | 187 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,428 | +0.080% | 162 | |
16 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,561 | +0.288% | 131 | |
17 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,247 | +0.145% | 130 | |
18 | LIBERTY FIRST CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Sound | $1,469 | +0.121% | 27 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,808 | +0.387% | 682 | |
20 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,721 | +0.396% | 141 | |
21 | Cobalt Credit Union | Strong | Exceptional | — | Acceptable | Strong | $556 | +0.054% | 96 | |
22 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $1,283 | +0.396% | 88 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,975 | +0.357% | 80 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,275 | +0.386% | 281 | |
25 | REGENT FINANCIAL GROUP, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,369 | +0.270% | 216 | |
26 | American National Bank | Strong | Sound | Sound | Strong | Exceptional | $1,635 | +0.315% | 184 | |
27 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,922 | +0.464% | 127 | |
28 | DUNDEE BANK | Strong | Sound | Sound | Strong | Exceptional | $2,770 | +0.202% | 123 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,333 | +0.277% | 66 | |
30 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,521 | +0.382% | 59 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $31 | +0.236% | 484 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,148 | +0.243% | 313 | |
33 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,201 | +0.314% | 291 | |
34 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,280 | +0.350% | 285 | |
35 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,135 | +0.005% | 130 | |
36 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,405 | +0.159% | 71 | |
37 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,255 | +0.331% | 59 | |
38 | LoanUnited.com, LLC | Strong | Sound | Strong | Sound | Strong | $570 | +0.182% | 59 | |
39 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,058 | +0.475% | 270 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,081 | +0.101% | 124 | |
41 | Servion, Inc. | Strong | Sound | Strong | Sound | Sound | $971 | +0.223% | 28 | |
42 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $4,975 | +0.238% | 27 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,706 | +0.566% | 224 | |
44 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $2,288 | +0.897% | 94 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,896 | +0.485% | 70 | |
46 | Flanagan State Bank | Strong | Acceptable | Strong | Strong | Sound | $2,268 | +0.566% | 35 | |
47 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,405 | +0.296% | 58 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,796 | +0.598% | 45 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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